Keep The Change

Money Mail 161 - What does a $150 bag cost?

10 Jun 2023

Contributed by Lukas

For many of us, we price things in a unit we can measure. I.e. If you earn $30 an hour, you may price a $150 bag as 5 hours of work. Don't forget abou...

Why It's NOT The Bottom Of The Housing Market w Mikey Smith

08 Jun 2023

Contributed by Lukas

There are constant articles and everyone is talking about how the bottom of the housing market is here, let's dig into this and find out why maybe tha...

You Are Not Ready - NZ Economist - w/ Mikey Smith

07 Jun 2023

Contributed by Lukas

Mikey tunes in to a webinar with a leading economist from New Zealand who predicts things are going to get very grim here and we are still some time a...

Luke Falls In Love With Another Man In USA w Mikey Smith

05 Jun 2023

Contributed by Lukas

Recently a man from America really caught Luke's ear and eye and in this episode we will look at how this happened and what it is that they are talkin...

Money Mail 160 - Rental Property Interest Changes

01 Jun 2023

Contributed by Lukas

From the 1st of April 2023, interest incurred on rental properties will now only be 50% tax deductible. We are going to learn about this because it’...

Money Mail 159 - An End To The Pain?

01 Jun 2023

Contributed by Lukas

The Reserve Bank increased the OCR (Official Cash Rate) for the 12th straight time. It now sits at 5.5%. The Reserve Bank, have forecast out into the ...

Money Mail 158 - What's in it for me? Or NZ?

01 Jun 2023

Contributed by Lukas

The NZ budget is out again this week and we explore whether we need to change the question of 'whats in it for me?' to 'whats in it for NZ?'. The annu...

'What's It Like Not Caring About Money' w Mikey Smith

31 May 2023

Contributed by Lukas

Mikey was recently asked what it is like to not have to care about money. In this episode he breaks down how he answered this question. Just to be cle...

Money Mail 157 - 🎉 Celebrate 3 years of KTC with me

31 May 2023

Contributed by Lukas

We did it, 3 years of KTC! The very first edition of Money Mail went out on the 22nd of May 2020. There were 201 recipients. Things looked a little di...

Luke's Lessons From The Philippines w/ Mikey Smith

30 May 2023

Contributed by Lukas

Luke ventures to the Philippines for a week and sits down with Mikey to go through his lessons from the week. Shit, it was good to be back in a countr...

Is It Ok To Be Selfish? Are We All Selfish? w Mikey Smith

28 May 2023

Contributed by Lukas

Is being selfish a good or bad thing, or neither? We dig into different situations where you’ll be considered to be selfish even when you might be d...

Mikey Schools Luke On Why Guys Want Cars

24 May 2023

Contributed by Lukas

Mikey rolls into the stupid with hard data to back up the fact that guys want cars for more than just marketing. Has Luke got it wrong this whole time...

What If We Have No Growth For A Decade? W Mkey Smith

22 May 2023

Contributed by Lukas

Have you heard people talking about ‘The Lost Decade’? What is that all about and how should we prepare ourselves. We hear from legendary investor...

Viva Las Vegas: Luke's USA Lessons w Mikey Smith

18 May 2023

Contributed by Lukas

Well, Luke made it back in one piece from Vegas and sit down with Mikey to discuss the things that he noticed about America including how big it is, h...

Relationship Money Differences 😳 w Luke's Partner

17 May 2023

Contributed by Lukas

Luke's partner stops by the studio and they record an impromptu podcast about the differences and the ways that they both see money and some of the ch...

Your Financial Stories (Debt To Success) Part 3 w Mikey Smith

15 May 2023

Contributed by Lukas

We read through a number of your financial stories sent in by Keep The Change listeners and readers as you explain the journey you've been through the...

Changing Vehicles & Backing Your Skills w Jamie MacLennan

10 May 2023

Contributed by Lukas

Jamie popped into the studio to discuss his journey from changing jobs and backing him self in business and how he went about it including selling his...

Mind Traps You Need To Avoid (Part 1) w Mikey Smith

08 May 2023

Contributed by Lukas

Luke and mikey find a great video on YouTube about the 21 one traps that we all need to be mindful of. Tune in to part one of this to learn about the ...

Money Mail 156 - A rich lister changed my life, & yours

04 May 2023

Contributed by Lukas

I wouldn’t be where I am today if it weren’t for some of the people who have built and sold massive businesses that have changed my life and, in t...

Help For NZ Employee's w Super-Advice's Jeremy Hoskin

03 May 2023

Contributed by Lukas

Jeremy from https://super-advice.co.nz/ Joins us in the studio to tell us about what he has built for employers to enable their employee's financial w...

Your Opportunity Of A Lifetime In This Recession w Mikey Smith

01 May 2023

Contributed by Lukas

They say that there's always an opportunity in a recession, so what is it? We sit down for an hour to discuss all of the opportunities that you may no...

The Perfect Loan Structure w/ Mikey Smith

30 Apr 2023

Contributed by Lukas

Luke sits down to ask Mikey does the perfect line structure exist and if it does what is it? We look at a number of hypothetical situations that could...

Money Mail 155 - Shocking truth about CEO pay in NZ

29 Apr 2023

Contributed by Lukas

Recently the Herald Business desk put together a list of the top 10 salaries of CEO’s in NZ. I hear and read things like:‘No job is worth more tha...

WTF The Rich Only Pay 9.4% Tax, How Unfair! w Mikey Smith

28 Apr 2023

Contributed by Lukas

Well it has been the talk of the town this week as the IRD tell us that the rich aren't paying their fair share of taxes. In this podcast we will expl...

WEBINAR: How To Build Your Financial Plan w/ Lighthouse financial

28 Apr 2023

Contributed by Lukas

Here it is, the webinar you've been waiting for! We sit down with James Blair from lighthousefinancial.co.nz from the wealth team to discuss putting t...

Bank Cash Back Wars - Pull The Trigger Or Not? w Mikey Smith

26 Apr 2023

Contributed by Lukas

You may have seen the banks advertising cashback for your mortgage. What is this all about and when is a good time to explore for yourself? We ask Mik...

Money Mail 154 - Inflation: it’s far from over

25 Apr 2023

Contributed by Lukas

Yay inflation is less than expected! Is it time to celebrate? I don't think so. It is great that inflation has decreased, but it’s still too high. I...

Insights From 1 Of NZ's Top Financial Mentors w/ David Verry

24 Apr 2023

Contributed by Lukas

Wrap your ears around this one as we get insights from one of over 1,000 financial mentors in New Zealand who help out people to improve their financi...

You Have Been Lied To, Now What? w Mikey Smith

19 Apr 2023

Contributed by Lukas

We're really sorry to let you know that you have been lied to on a number of fronts. We think it is becoming increasingly evident by all of you that e...

Lessons From Mikey's 100th KTC pod (Thanks To Double Yolk)

17 Apr 2023

Contributed by Lukas

This podcast is brought to you by the good folks at Double Yolk. Double Yolk are bringing trust back to offshore software development. Check them out ...

The Collapse Of The US$, How Worried Should We Be? w Mikey Smith

16 Apr 2023

Contributed by Lukas

There are a lot of chats at the moment around the collapse of the US dollar. Luke and Mikey provide some thoughts on what this means, how it may impac...

Money Mail 153 - So You Won Lotto Huh? Would You Do This?

15 Apr 2023

Contributed by Lukas

If we were to be given a large stack of money, the first thing most people would do is pay off their mortgage. Maybe this is due to a guaranteed retur...

Money Mail 152 - Don't Let This Economy Fail

15 Apr 2023

Contributed by Lukas

Last week we discussed the fact that the economy is highly likely to now be in a recession. There is no ‘growth’ and it is contracting. I’ve see...

Dropping Out Of School To 10 Properties w Scott Muirson (SM Property.co.nz)

12 Apr 2023

Contributed by Lukas

Scotty from SMProperty.co.nz joins us to tell us about how he helps first home buyers get on the property ladder and he also takes us through his jour...

Relationship Law + Contracting Out Agreements + Divorce w Nicole Murphy

10 Apr 2023

Contributed by Lukas

Have you ever wondered what happens when you separate from a relationship in terms of your finance? Today we speak to a experienced divorce lawyer abo...

OMG The OCR 😳 (April 23) w Mikey Smith

06 Apr 2023

Contributed by Lukas

Oh my god the reserve bank just increase the OCR for the 11th straight time. Mikey and Luke sit down to figure out exactly what this means and if we s...

The Future Of Kiwisaver w Rupert (Kōura Wealth)

05 Apr 2023

Contributed by Lukas

Will it replace the pension? Will the government take it off of us? Will it lead to a NZ infrastructure boom? Luke & Rupert (Kōura Wealth) sit do...

Winning $20mil In Lotto: What YOU'D Do w Mikey Smith

03 Apr 2023

Contributed by Lukas

You heard what we do if we won $20 million on lotto, now it's time to find out what the Keep The Change readers would do. We asked on Instagram and he...

Shocking Insights From My 2023FY Review

02 Apr 2023

Contributed by Lukas

At this time of the year I like to sit down and compare where I am now to where I was 12 months ago. I'll explain exactly how I do this and why the mo...

Money Mail 151 - How The Economy Stops

01 Apr 2023

Contributed by Lukas

In March Stats NZ told is that Gross domestic product (GDP) fell 0.6% in the December 2022 quarter. This means we are 1/2 way to a recession. Or maybe...

Winning $20mil In Lotto: What WE'D Do w Mikey Smith

29 Mar 2023

Contributed by Lukas

We run you through the hypothetical situation that we win $20 million and take you through the exact steps we would take, what will be thinking about,...

The EXACT Process To Get A Mortgage w Mikey Smith

27 Mar 2023

Contributed by Lukas

Mikey is one of the best mortgage advisors in the country and has numerous awards. He sits down to tell us the exact process he takes his clients thro...

Money Mail 150 - $27 tax free per week?

24 Mar 2023

Contributed by Lukas

Turns out, working from home IS a thing and often employee's pay costs associated with this. During the cerveza sickness, the IRD increased the tax fr...

Doing Kiwisaver Different w Rupert (Kōura Wealth)

22 Mar 2023

Contributed by Lukas

Luke sits down with Rupert Carylon to discuss how Kōura Wealth have changed the Kiwisaver game with a more personalised approach. We talk about why t...

Money Mail 149 - Doing it tough out there? Who to call

21 Mar 2023

Contributed by Lukas

The number of people struggling financially is really starting to increase. Nearly 12% of Kiwis are currently behind on their debt repayments: persona...

Dress For Success Or Not? w Mikey Smith

20 Mar 2023

Contributed by Lukas

This is a listener request about how it is important to dress for your audience and dress for success, do you believe this? We all have different thou...

To Invest In Property Or Not? w Lighthouse Financial

15 Mar 2023

Contributed by Lukas

Luke joins the Cheques & Balances crew to look at an example where property isn’t the right solution. This is the story of an actual client and ...

Slow Down To Speed Up w Mikey Smith

13 Mar 2023

Contributed by Lukas

Sometimes in life we need to slow down to speed up. This can be a very hard thing for us to accept and think about but we will give you some examples ...

June July Is When It Will Hit, Be READY! w Mikey Smith

12 Mar 2023

Contributed by Lukas

Mikey thinks that the economy truly could shit the bed come June or July. He takes us through exactly why he thinks this and Luke thinks it could be l...

You Made It, Welcome! What's All This About?

10 Mar 2023

Contributed by Lukas

You have found your way to Keep The Change, so what is this all about? This content is designed to help over 100,000 Kiwis improve their financial lit...

Money Mail 148 - Time for 65+ to donate their super?

09 Mar 2023

Contributed by Lukas

For some of our superannuitants, they simply don’t/won’t need their super BUT they are entitled to it. If it’s not needed, perhaps it could be s...

What's Getting In YOUR Way? (Listener submissions) w Mikey Smith

08 Mar 2023

Contributed by Lukas

On Instagram we asked you what is getting in the way of your financial success. In this episode we take you through all of these things as well as dif...

Your Financial Stories Pt 2. (Grunty!) w Mikey Smith

06 Mar 2023

Contributed by Lukas

We take you through more of Keep The Change's listeners' financial stories to both learn and be inspired by you amazing people. You won't want to miss...

Money Mail 147 - Why I Bought A PIE Fund

05 Mar 2023

Contributed by Lukas

Recently I bought a PIE fund and I’m not talking steak and cheese ones. I had a bit of spare cash sitting in a bank account and I wanted to ‘make ...

Retire Early Via Property w Angela Strang

03 Mar 2023

Contributed by Lukas

In this episode we tune in with Angela Strang who has 'retired' by the age of 35. We ask how the hell that is possible and what it even means! Angela ...

Putting a Financial Plan Together With Lighthouse Financial Services

01 Mar 2023

Contributed by Lukas

Luke sits down with James from Lighthouse financial to understand how they go about financial planning for their clients and the exact process that th...

Are Term Deposits Cool Again? w Lighthouse Financial

28 Feb 2023

Contributed by Lukas

Luke joins the Lighthouse Financial crew to discuss why term deposits are being spoken about again and why he recently plonked some money into a PIE f...

The Balance Sheet Recession w Mikey Smith

27 Feb 2023

Contributed by Lukas

People are saying this recession could be about using your balance sheet. In this episode we discuss what a balance sheet is and how it's not just for...

Money Mail 146 - Dear Mothers...(OR anyone down and out)

24 Feb 2023

Contributed by Lukas

A reader reached out to me with what they did when they found themselves as a solo parent, with 2 young kids (2 and 5) and I thought I would share thi...

Feb OCR Update - We're Backed Into A Major Corner w Mikey Smith

24 Feb 2023

Contributed by Lukas

This week we've had a new official cash rate announcement from the reserve bank of New Zealand and it with the recent events around New Zealand shit t...

Stockmarket/Kiwisaver Check In w Adam Stewart (Compound Wealth)

23 Feb 2023

Contributed by Lukas

Luke sits down with Adam Stewart from Compound Wealth to find out what's happening in the stock market and whose Kiwi saver will be performing the bes...

2023 Predictions w Lighthouse Financial

22 Feb 2023

Contributed by Lukas

Luke joins Mike and James on the Cheque & Balances podcast for his debut. He spits out some wild predictions for 2023 that should see him complete...

Thrift Wins Save Thousands w The Viral Kiwi Dad Logan Donnelly

20 Feb 2023

Contributed by Lukas

The man who broke the Internet with his savings methodology popped by to explain to us how he removed thousands of dollars of costs from his annual ex...

Want To Come Work For Mikey?

19 Feb 2023

Contributed by Lukas

Mikey is on the hunt for new mortgage advisors and would love to have a chat with you if you are interested. Before you do, listen to this podcast and...

Money Mail 145 - Work Hard, Get Ahead?

18 Feb 2023

Contributed by Lukas

When I grew up I grasped the concept of working hard. It made sense to me and I applied this to every job I got. But then I learnt we need to 'work sm...

Money Mail 144 - Save more than you pay in tax

15 Feb 2023

Contributed by Lukas

We are taught to save 10% of everything we earn but will this keep us thinking too small? In this Money Mail we will explore different ways to increas...

The Data Doesn't Lie, Things Are Getting Worse w Mikey Smith

15 Feb 2023

Contributed by Lukas

We dig into the latest report from Centrix to have a look at the data and see what it tells us in terms of people not being able to pay for the loans ...

Habits Of Rich People w Mikey Smith

12 Feb 2023

Contributed by Lukas

You asked for it so here it is. Your submitted habits of rich people after the last podcast about poor people. Enjoy and don't get triggered. Hey than...

HOW to ACTUALLY Change Your Mindset w Mikey Smith

08 Feb 2023

Contributed by Lukas

Mikey Breaks down how you can actually change your mindset as he is sick of hearing people saying "you just need to change your mindset". Here is his ...

Your 2023 Toolkit - How To Prosper This Year

05 Feb 2023

Contributed by Lukas

It is no surprise that 2023 sounds like it could be a challenging year. This podcast will help you get ready and prosper during what could be a tricky...

Money Mail 143 - NZ's Biggest Property Manager?

04 Feb 2023

Contributed by Lukas

Last week, I sat down with a Kiwi looking to completely transform an industry. One of my favourite parts of my role is getting to speak to Kiwis who w...

How To Be A Rich Boy / 'Is Being Wealthy A Matter Of Mindset Pt.2' w Mikey Smith

01 Feb 2023

Contributed by Lukas

Mikey and Luke sit down to review an article that opposes the earlier article we discussed about how being wealthy could just be a matter of mindset. ...

Financial Impacts Of The Flood w Mikey Smith

29 Jan 2023

Contributed by Lukas

Mikey and Luke sit down to have a look at what the flood could mean financially for the economy and Mikey also tells us exactly why he increase his in...

Becoming The Globe’s Biggest Property Manager - w Luke from Keyhook

29 Jan 2023

Contributed by Lukas

Imagine completely disrupting the countries property management market? That’s what Luke and his team from Keyhook are doing. Check out this Kiwi te...

Money Mail 142 - Kiwis lose over $180billion in 2022

29 Jan 2023

Contributed by Lukas

If you’ve been worried about your house price, shares or KiwiSaver, you’re not the only one. In the first nine months of 2022, household net worth...

The Great Inflate (Jan23 Update) w Mikey Smith

27 Jan 2023

Contributed by Lukas

Mikey is back in the studio to talk about recent inflation data. What it means, what we are seeing, and what you need to be thinking about including w...

Your Financial Stories Told (INSPIRING) w Mikey Smith

25 Jan 2023

Contributed by Lukas

Recently we asked you to share your financial story and we sit down to read through 10 of these as part of a series of learning from other keep the ch...

Money Mail 141 - Reaction to y.day shocking news + (making more webinars)

25 Jan 2023

Contributed by Lukas

Shock! Food is confirmed as dear. 2022 was the biggest annual food increase in 32 years according to Statistics NZ. But you knew that. So this week we...

Habits Of Poor People w Mikey Smith

22 Jan 2023

Contributed by Lukas

Mikey and Luke sit down to discuss the habits of poor people. Yes we know that this could be controversial but a lot of you send us what you think the...

We Lose The Leader Of A Lifetime w Mikey Smith

20 Jan 2023

Contributed by Lukas

Mikey is massively upset about the news that the Prime Minister has resigned and wanted to get straight into the studio and discuss his thoughts about...

2 Books You MUST Read in 2023 w Mikey Smith

18 Jan 2023

Contributed by Lukas

Luke takes us through two books that he thinks improve your life in 2023 and one of these he can guarantee you would have never heard of. Hey thanks f...

Does Your Mindset Explain Your Financial Situation? w Mikey Smith

15 Jan 2023

Contributed by Lukas

We dig into an article that asked the question is being wealthy just a matter of mindset? We go through what the article explains and challenge some o...

Money Mail 140 - The Unemployment Rate Is Your Friend

15 Jan 2023

Contributed by Lukas

Unemployment is at a record low. In New Zealand, unemployment is currently at 3.3% and historically sits between 4.5 to 5.5%. That means that business...

Luke's Themes / Be Mindful's for 2023 w Mikey Smith

10 Jan 2023

Contributed by Lukas

Luke did some thinking on the plane on his way back from his trip and has some things already that he is going to be mindful of the 2023. See what you...

Mikey's $100k A Year Mowing Business Instructions

08 Jan 2023

Contributed by Lukas

Mikey takes us through how he would build out half a $1 million mowing business in a few year's time and take you through the step-by-step things you ...

Money Mail 139 - 1 habit away from your best year

08 Jan 2023

Contributed by Lukas

At this time of the year, many of us will be thinking about our habits and how they’ve popped up in our lives. For most of us, we can’t even see o...

It's Not The Time To Go All In w Mikey Smith

06 Jan 2023

Contributed by Lukas

It can be very tough when you bust your ass and save a bit of money and you still feel like you're not getting your head or getting closer to your goa...

Starting A Business FAQs w Mikey Smith

04 Jan 2023

Contributed by Lukas

We sit down to answer multiple questions about starting a business. You need to be thinking about, why, what your goal is and what type. We explore al...

The Worst Time For First Home Buyers (incl positive solution) w Mikey Smith

01 Jan 2023

Contributed by Lukas

Data suggests that houses haven’t been this unaffordable for first home buyers since 2004. What can we do about that and how can we use reverse comp...

Happy NY Mixtape - Lessons from the break w Mikey Smith

01 Jan 2023

Contributed by Lukas

It's the 1st of January and we're already back in the studio recording a podcast with lessons from our break and the fact that economy still seems to ...

Money Mail 138 - I didn’t hit all my 2022 goals :(

01 Jan 2023

Contributed by Lukas

When I look back at 2023 and some of the goals I set, I know that I didn’t hit them ALL. Have you noticed the same thing? But I know that I am movin...

It's Ok To Promote Yourself w Mikey Smith

28 Dec 2022

Contributed by Lukas

Society seems to think that people who promote and advertise themselves are cocky, arrogant, love themselves, full of themselves, but the reality is t...

"You'll Own Nothing & Be Happy" w Mikey Smith

26 Dec 2022

Contributed by Lukas

Wow! This could get interesting for you. An insight into some of the comments we often see on social media and whether all of them are true or conspir...

Money Mail 137 - 3 Christmas gifts for you

22 Dec 2022

Contributed by Lukas

I hope you have an amazing time with your families and loved ones. I think this time of year is such an important time to be grateful for what you do ...

Retrain Your Brain w Mikey Smith

21 Dec 2022

Contributed by Lukas

Mikey teaches us why it is so important to retrain some of the stupid things your brain will tell you to do and why this can also be so hard to do.Hey...

What The FIFA World Cup Taught Us w Mikey Smith

19 Dec 2022

Contributed by Lukas

Mikey bicycle kicks his way into the studio in excitement with the world cup and then admits he doesn’t know who won. BUT he does think it’s an am...

Tax Rules ARE NOT Set Up To Help Employee's w Mikey Smith

17 Dec 2022

Contributed by Lukas

In this podcast we teach you everything you didn't get taught in school about why business is the most favoured way when it comes to tax rules. We exp...

Money Mail 136 - Is your employer a grinch at Xmas?

17 Dec 2022

Contributed by Lukas

Employers can get a bad wrap for not looking after their staff or being stingy. Especially at Christmas time. This is easy to do when we compare our e...

MEGAPOD: Reflections on 2022 wins & regrets w Mikey Smith

14 Dec 2022

Contributed by Lukas

Another listener request as to how we found 2022. Listen in to find out about how we made it count and also some of the things we regret and why it's ...

MEGAPOD: 2023 - What it looks like & how to win w Mikey Smith

11 Dec 2022

Contributed by Lukas

In this podcast we dive into a listeners request about what we think 2023 will bring and how we are going to ensure that we have a successful year. He...